What would life be like if you could access money you worked for, when you wanted? Having the option and peace of mind to schedule an advance on your pay could put you in the driver's seat in your financial journey.
Enter MyPay.
MyPay helps you get paid when you say™, up to $500 ahead of payday.1 There's no interest, no credit check, and no mandatory fees.
This feature is already changing real Chime members' lives. Let's take a look at how MyPay is unlocking financial progress™ for our members, and how it can for you, too:
Access your pay when you need it
Advances with MyPay are quick! You can get them within 24 hours for free, or instantly for $2 to $5 per advance.
Chime member Andre first discovered MyPay when he was scrolling through the Chime app and saw a new notification. He soon learned that was the amount of his pay that he could tap into. "When my next payday hit, I saw I had access to my pay way earlier," says Andre, who is a hospitality manager in Texas. "It's been head-on for me since."
Having a larger chunk of cash in his account when he chooses has helped Chime member Andre pay off a credit card quicker and gave him control when his fiancé needed medication that insurance didn't cover.
"I know that if I'm going to run into an expense – say if I leave work today and I have a flat tire – I can get funds from MyPay right now, so I would not have to worry about tapping into my [account]," he says.
Andre doesn't want to drain his savings or use any of his credit cards unnecessarily. That way, he can work toward becoming a homeowner.
"I didn't know how the process of trying to buy a house would be," he says. "I didn't want to use my credit cards or dip into my savings again. But with MyPay, my paycheck was available and convenient for me to access, and I was able to budget correctly."
You should be free to access your own money and have it available anytime you need it, says Andre. "MyPay makes me feel that I'm actually going to go to work, get this work done, and get paid for it – I don't have to wait for payday."
Avoid surprise fees
MyPay doesn't come with surprises. There are no mandatory fees, no credit check, and no interest. If you want instant access to your cash, it's $2 to $5 per advance.
"There's nothing excessive that you have to pay back," says Chime member Joseph, a quality control manager who lives in Texas. "There's no extra cost. It's your money, and you get it when you need it."
When Joseph damaged his coveted Harley-Davidson Street Bob – which is his main ride to work, not to mention his pride and joy – the repairs added up to $1,000.
Thanks to MyPay, Joseph could tap into money from his pay when he chose. In turn, he could fix up his motorcycle and get back on the road.
"Usually, when you run into a situation between paydays, there are no options, and you get stuck," says Joseph. "When I found out about MyPay, it created a sense of relief. It lets me handle the things that need to get done."
Plus, because he didn't have to worry about paying interest fees or high instant cash charges, more money could go toward covering bills and everyday purchases like groceries.
Unlocking his pay when he wants has put Joseph in the driver's seat of his finances and helped him be more proactive in budgeting. "Because I have complete access to everything that I need, it's now possible to have my funds ready today," says Joseph. "That way, I'll be ready for the next set of bills that come up."
With MyPay, our members are in control
With MyPay, you are in charge of when you get your pay. You can tap into the money from your pay whenever you like, for whatever you like.
For example, Chime member Ryan sometimes wouldn't have enough funds to tide her over until the next payday. Her account would sometimes go negative, and she would have to pull money from her savings to cover day-to-day costs for her family.
She first tried MyPay when she was running low on funds and needed to buy groceries. Because her youngest son has Type 1 diabetes, she has to pack his lunches every day with certain foods. With MyPay, Ryan felt in greater control of her finances and was able to afford essentials.
"It was like a weight was lifted off my shoulders," says Ryan, a mom of three boys who works in health care in Delaware. "When I had the funds in my account, I was like, 'Now I can get my shopping done, and my kids will have lunch. We can plan everything out, and I don't have to worry about my account being negative.'"
Besides covering day-to-day living expenses, Ryan has tapped into MyPay to cover out-of-pocket backup sensors for her diabetic son. Ryan can also feel more at ease to use the feature to pay for monthly travel to Philadelphia for his specialist appointments.
Room to build savings
A bonus? Because Ryan uses money from her pay, she doesn't have to pull from her savings anymore. She can now navigate the time between paydays and build her savings.
"Before, I wasn't getting anywhere because I would take the money out, then just put what I took out right back. I wasn't building my savings – I wasn't getting anywhere," she says. "With MyPay, I'm taking it from my pay instead. And when I do get my pay, there's money still going into my savings."
No mandatory fees, no credit checks, no problem
MyPay can give you access to your pay quicker with no mandatory fees, no interest, and no credit checks. You'll have an easier time managing your money between paydays.
MyPay has helped members like Andre, Joseph and Ryan unlock their payday whenever they want. It gives them the freedom to be proactive and make money choices to better their lives and work toward their goals.
If you aren't a member, join Chime and enroll in direct deposit to get started. MyPay eligibility varies between states.
Curious how to make the most of Chime's different features? Learn more about the difference between MyPay, SpotMe, and Get Paid Early.
Real members. Paid testimonials.